The Best Credit Cards of July 2020 in Philippines

From sign-up bonuses, generous rewards to no annual fees, WalletWalk’s best credit cards outshine the rest.  Check out our top picks and offers from our partners and you will surely find the credit card that suits you best.

Best Rewards Credit Cards

  • Promotion: No Annual Fee. Forever.* (Valid till 31/07/2020)

    Citi Rewards Mastercard

    Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Rewards Mastercard

    Main Feature

    1 point for every ₱30 spent

    + See More

    Main Feature

    1 point for every ₱30 spent

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • Promotion: Welcome gift of ₱2,500 GrabPay credits equivalent to 12 free rides + vouchers worth ₱2,000 (Valid till 31/12/2020)

    Citi Grab Card

    Best for Rewards, Shopping, Groceries, Dining, Entertainment

    Citi Grab Card

    Main Feature

    Platinum Tier upgrade and benefits for first 6 months

    + See More

    Main Feature

    Platinum Tier upgrade and benefits for first 6 months

    Annual Fees

    ₱3,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • HSBC Red Mastercard

    Best for Shopping, Dining, Fuel

    HSBC Red Mastercard

    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

    + See More

    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱200000

    + See More
    Loading details...

Best Cash Back Credit Cards

  • Promotion: SM eGift card worth ₱5000 after first spend on the card (Valid till 31/07/2020)

    Citi Cash Back Mastercard

    Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Cash Back Mastercard

    Main Feature

    Up to 6% cashback on supermarket purchases and 0.2% on all others

    + See More

    Main Feature

    Up to 6% cashback on supermarket purchases and 0.2% on all others

    Annual Fees

    ₱3500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • HSBC Gold Visa Cash Back Credit Card

    Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment, Fuel

    HSBC Gold Visa Cash Back Credit Card

    Main Feature

    Up to 5% cash back on dining and 0.5% cash back on all others.

    + See More

    Main Feature

    Up to 5% cash back on dining and 0.5% cash back on all others.

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱200000

    + See More
    Loading details...
  • The American Express Cashback Credit Card

    Best for Cash Back, Shopping, Groceries, Dining, Bill Payment

    The American Express Cashback Credit Card

    Main Feature

    Up to 5% cashback for first 3 months and 1% cashback thereafter.

    + See More

    Main Feature

    Up to 5% cashback for first 3 months and 1% cashback thereafter.

    Annual Fees

    ₱3,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱420000

    + See More
    Loading details...

Best Travel Credit Cards

  • Promotion: FREE roundtrip ticket to Japan credited as 30,000 PremierMiles (Valid till 31/07/2020)

    Citi Premiermiles Card

    Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Premiermiles Card

    Main Feature

    1 never-expiring PremierMile for every ₱30 spent

    + See More

    Main Feature

    1 never-expiring PremierMile for every ₱30 spent

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱360000

    + See More
    Loading details...
  • HSBC Platinum Visa Credit Card

    Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment

    HSBC Platinum Visa Credit Card

    Main Feature

    1 air mile for as low as every ₱25 spent

    + See More

    Main Feature

    1 air mile for as low as every ₱25 spent

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱500000

    + See More
    Loading details...
  • RCBC Bankard Visa Platinum

    Best for Travel, Shopping, Groceries, Bill Payment, Fuel

    RCBC Bankard Visa Platinum

    Main Feature

    1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend

    + See More

    Main Feature

    1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱498,000

    + See More
    Loading details...

Best No Annual Fee Credit Cards

  • Citi Simplicity+ Card

    Best for No Annual Fee

    Citi Simplicity+ Card

    Main Feature

    No annual fee or late payment fee for the entire duration of usage

    + See More

    Main Feature

    No annual fee or late payment fee for the entire duration of usage

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • AUB Easy MasterCard

    Best for No Annual Fee, Rewards

    AUB Easy MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

    + See More
    Loading details...
  • AUB Classic MasterCard

    Best for No Annual Fee, Easy Approval, Shopping, Rewards

    AUB Classic MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

    + See More
    Loading details...

Best Shopping Credit Cards

  • HSBC Red Mastercard

    Best for Shopping, Dining, Fuel

    HSBC Red Mastercard

    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

    + See More

    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱200000

    + See More
    Loading details...
  • BDO ShopMore MasterCard

    Best for Shopping, Easy Approval, Rewards

    BDO ShopMore MasterCard

    Main Feature

    0.50 Peso Point per ₱200 spend

    + See More

    Main Feature

    0.50 Peso Point per ₱200 spend

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180,000

    + See More
    Loading details...
  • Metrobank Femme Signature Visa

    Best for Shopping, Rewards

    Metrobank Femme Signature Visa

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱800,000

    + See More
    Loading details...

Best Dining Credit Cards

  • HSBC Gold Visa Cash Back Credit Card

    Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment, Fuel

    HSBC Gold Visa Cash Back Credit Card

    Main Feature

    Up to 5% cash back on dining and 0.5% cash back on all others.

    + See More

    Main Feature

    Up to 5% cash back on dining and 0.5% cash back on all others.

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱200000

    + See More
    Loading details...
  • Promotion: No Annual Fee. Forever.* (Valid till 31/07/2020)

    Citi Rewards Mastercard

    Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Rewards Mastercard

    Main Feature

    1 point for every ₱30 spent

    + See More

    Main Feature

    1 point for every ₱30 spent

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • EastWest Visa Platinum Credit Card

    Best for Shopping, Dining, Entertainment, Rewards

    EastWest Visa Platinum Credit Card

    Main Feature

    3% Cash Rewards for spending at department stores and dining

    + See More

    Main Feature

    3% Cash Rewards for spending at department stores and dining

    Annual Fees

    ₱2,750

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱480,000

    + See More
    Loading details...

Best Gorceries Credit Cards

  • Promotion: SM eGift card worth ₱5000 after first spend on the card (Valid till 31/07/2020)

    Citi Cash Back Mastercard

    Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Cash Back Mastercard

    Main Feature

    Up to 6% cashback on supermarket purchases and 0.2% on all others

    + See More

    Main Feature

    Up to 6% cashback on supermarket purchases and 0.2% on all others

    Annual Fees

    ₱3500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • Security Bank Complete Cashback MasterCard

    Best for Cash Back, Shopping, Groceries, Dining, Bill Payment, Fuel

    Security Bank Complete Cashback MasterCard

    Main Feature

    Up to 5% cashback on essential expenses

    + See More

    Main Feature

    Up to 5% cashback on essential expenses

    Annual Fees

    ₱3,000

    First year free

    Monthly Interest Rate

    3.50%

    Min Annual Income

    ₱360,000

    + See More
    Loading details...
  • RCBC Bankard Flex Visa

    Best for Shopping, Groceries, Dining, Fuel, Rewards

    RCBC Bankard Flex Visa

    Main Feature

    2 Rewards points per ₱50 spent on two choice categories

    + See More

    Main Feature

    2 Rewards points per ₱50 spent on two choice categories

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱250,000

    + See More
    Loading details...

Best Fuel / Petrol Credit Cards

  • Promotion: Free P5,000 Shell Rebates (Valid till 31/07/2020)

    Citi Shell Card

    Best for Fuel, Shopping, Groceries, Dining, Entertainment, Bill Payment, Cash Back

    Citi Shell Card

    Main Feature

    Get up to 5% rebate on Shell Fuel purchases

    + See More

    Main Feature

    Get up to 5% rebate on Shell Fuel purchases

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
    Loading details...
  • HSBC Advance Visa Credit Card

    Best for Rewards, Shopping, Fuel

    HSBC Advance Visa Credit Card

    Main Feature

    Up to 4x faster rewards when shopping online

    + See More

    Main Feature

    Up to 4x faster rewards when shopping online

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.2%

    Min Annual Income

    ₱200000

    + See More
    Loading details...
  • EastWest Hyundai MasterCard

    Best for Fuel, Easy Approval, Cash Back

    EastWest Hyundai MasterCard

    Main Feature

    5% rebate on fuel purchases

    + See More

    Main Feature

    5% rebate on fuel purchases

    Annual Fees

    ₱2,000

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180,000

    + See More
    Loading details...